Dental Insurance Plan Quotes – Idaho
Get Free Quotes on Dental Insurance in ID
Trying to find affordable dental insurance in Idaho requires some research, and DentalInsurance.com makes it easy by providing free rate quotes and information so you can easily compare dental insurance and discount dental plan providers side by side. To find out which dental insurance plans are available in Idaho, enter your zip code above to start your free online rate quote. Before you begin though, it’s important to understand what the differences are between the various types of dental plans in ID.
Types of Dental Plans Available in Idaho
There are four types of dental plans available in Idaho. Aside from the price tag, plan types differ on the type of coverage they provide, how they make reimbursements, and the degree of freedom they offer in terms of choosing a dentist and receiving dental health care when you need it. Choosing the right type of plan will depend on the needs of you and your family. The types of dental plans available in Idaho include:
Indemnity plans provide coverage through a fee-for-service model, which is considered a “traditional” dental insurance model. These plans give the most freedom in terms of choosing a dentist, as they cover services from all dentists. The amount of coverage for specific procedures is determined based on a UCR index, which stands for Usual, Customary, and Reasonable. This index is essentially the average cost of services from nearby dentists, but each provider will have its own UCR index. The provider then lists the amount it is willing to cover for specific services in its “fee schedule,” which is usually listed as percentages. Indemnity plans typically offer plenty of coverage, but they may lead to higher out-of-pocket payments, since providers make reimbursements after receiving and reviewing the bill. Indemnity plan providers in Idaho include Security Life Insurance Company Of America, Nationwide, and American National.
PPOs (Preferred Provider Organizations)
PPOs guarantee a maximum cost of services when they are received from an approved dentist within their network. These dentists agree to provide services to the PPO provider in order to receive access to the PPOs patient pool, creating a relationship where all parties benefit. PPOs make for good all-around plans, though they may require waiting periods for certain procedures and have calendar year maximums. They may provide coverage for dental services outside of the network, but this may be significantly less, which may create difficulties seeking emergency care. Check with each provider to see what their policy on emergency care is. PPO providers in Idaho include HumanaOne and Nationwide .
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in that they operate on a fee-for-service model, though they often list the amount they are willing to cover for specific procedures as a dollar amount as opposed to a percentage. This dollar amount is still based on a UCR index and is listed in the company’s “fee schedule.” Fee schedule plans may also operate within a network of approved dentists like a PPO. These plans tend to have lower premiums than both PPOs and indemnity plans, but they also have calendar year maximums, and may require waiting periods for certain procedures. Also, be sure to check with each provider to see how often they update their UCR index and fee schedule. Security Life Insurance Company Of America is a popular Idaho Fee Schedule plan provider.
Discount plans provide their subscribers with a discount card that allows them to receive services at a discounted rate from participating dentists. The discounted rates for specific procedures emulate a fee-for-service model, but discount plan providers do not actually make reimbursements. This means that patients are responsible for the entire discounted rate of service at the time of the visit. However, discount plans have no restrictions or limits, which make them very attractive to patients who are dissatisfied with their current dental insurance coverage. Plans vary widely in terms of the amount the discount covers, so be sure to familiarize yourself with each plan’s discounted fee schedule. Discount plan providers in Idaho include Patriot Health Inc., Careington International, and Aetna Dental.